美国有线新闻 CNN 美联储决定维持利率不变（在线收听）

Which of these U.S. agencies was established in 1913? U.S. Postal Service, Social Security Administration, Federal Reserve or Peace Corps. The Federal Reserve Act which established America's Central Bank was signed in 1913.

下列哪个美国机构成立于1913年？美国邮政服务公司、美国社会保障管理局、美国联邦储备委员会还是美国和平工作团？要求建立美国中央银行的《联邦储备法案》在1913年签署。

Federal Reserve had a meeting yesterday and decided to keep interest rates right where they are. Why does that matter? Interest rates can have ripple effects across the entire U.S. economy. The lower the rates are, the cheaper it is to borrow money. So let's say you go to buy a house. A lower interest rate on the loan means you're not having to pay back as much every month. It's the same for credit cards and for businesses planning to borrow money to buy new equipment or expand, lower interest rates can encourage them to do that. If the economy heats up too fast, so can inflation when prices go up and money buys less.

昨天，美联储召开会议，决定维持现行利率不变。为什么这很重要？利率会对整个美国经济产生连锁反应。利率越低，贷款就越划算。假设你要贷款买房。贷款利率较低意味着你每个月不必还太多钱。对信用卡和计划贷款购买新设备或扩大规模的企业来说同样如此，利率较低可以鼓励他们贷款。如果经济升温过快，那通货膨胀也会加剧，通胀指物价上涨而货币贬值。

The Fed can raise interest rates to try to keep that from happening. There were a few reasons why it decided yesterday to keep rates as they are. The bank says there are signs the economy is strong and that's there's not much inflation so that's a good thing. But the Wuhan coronavirus, which has been detected in countries worldwide, could eventually impact the U.S. economy and tensions are still high between the U.S. and Iran. So as far as interest rates go, the Fed wants to stay the course for now.

美联储可以通过上调利率的方式来避免这种情况发生。美联储昨天决定维持利率不变有几个原因。美联储表示，有迹象表明目前经济强劲，且通胀率不高，这是一件好事。但世界多国发现了武汉爆发的冠状病毒，这最终可能会影响美国经济，而且美国和伊朗之间的紧张局势依然严峻。因此，就利率而言，美联储希望暂时保持不变。